Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$225,802Cash toward the purchase price.
Closing costs + prepaids$9,403Not just lender fees.
Before credits & paid funds$235,205The complete starting cash picture.
Estimated remaining funds due at closing
$235,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,801.77
Your down payment$225,801.77
Closing costs + prepaids$9,402.82
Total buyer cash needed$235,204.58
Remaining funds due$235,204.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.75
Initial HOA (3 months)$282.00
Prepaid interest, first (30 days)$54.07
Fees + prepaids$9,402.82
Your down payment is the seller’s equity. You take over the $9,098 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $235,204.58 is due at closing. Uses and sources reconcile at $244,302.82 each. Not a Closing Disclosure.